Multiple Filings

Multiple Bankruptcy Filing Attorneys in Naperville

You Can File for Bankruptcy More Than Once

It is a common bankruptcy myth that you can only file for bankruptcy once. In fact, you can file for bankruptcy multiple times, but there are timelines and waiting periods that apply depending on which Chapter you have filed and which Chapter you are going to file.

At Lynch Law, LLC., we handle Chapter 7 and Chapter 13 bankruptcies for clients throughout DuPage County. Whether you are filing bankruptcy for the first time or are considering filing a second, third, or subsequent bankruptcy petition, we can provide you with the skilled representation you need.

Discuss your situation with us in a free consultation. Call (630) 318-2111 now to schedule yours.

Bankruptcy Waiting Periods

The following are the general waiting periods between bankruptcy discharges:

  • From a Chapter 7 to a Chapter 7: eight years
  • From a Chapter 13 to a Chapter 13: two years
  • From a Chapter 7 to a Chapter 13: four years
  • From a Chapter 13 to a Chapter 7: six years

There are exceptions to these rules. For instance, if you paid all unsecured creditors in your first Chapter 13, the waiting period does not apply.

The waiting periods apply to the bankruptcy discharge, not the actual filing of bankruptcy. This can work in your favor. For instance, some people choose to file Chapter 13 bankruptcy immediately after Chapter 7 (sometimes known as a “Chapter 20” bankruptcy) to benefit from bankruptcy protections, even if there is not an additional discharge of debt.

Whether this or any bankruptcy strategy would be helpful to you depends on your unique circumstances. Our multiple bankruptcy filing lawyers in Naperville can evaluate your situation to help you determine the course of action that best suits your needs.

Do you have questions about multiple bankruptcy filings? Contact us at (630) 318-2111 to schedule a free initial consultation.

Client Testimonials

  • “I am extremely pleased with the service they provided: from giving me advice on how to prepare, to working with creditors, and finally to handling the legal aspects of the bankruptcy itself. They took ...”

    - Mike
  • “Deciding to file bankruptcy and going through the process of foreclosure on our home was not something my husband and I ever thought we would have to do. On our initial visit with John, he explained ...”

    - Anonymous Client
  • “This extra special note sent to you today holds more appreciation than any words can say. Over 30 years ago, I found myself in a career helping others in need. I never expected to be in need myself ...”

    - Mrs. J.
  • “Just a note to say thank you for the legal advice you gave me last week. Before I came to see you, I was scared to face my problems, but today I opened a checking account and will go to the Social ...”

    - Mrs. K.
  • “Roseanne is the best. My husband and I went with a cheap bankruptcy attorney to save money. BIG mistake. We ended up with an adversary hearing that our bankruptcy attorney couldn’t handle. So after ...”

    - Anonymous Client
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Why Clients Choose Us

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  • 20+ Years of Legal Experience
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